QR paymentsSumUp scan to pay
1.69%
per transaction
£0
monthly fee
Hardware: Printed code
Payout: Next working day
No monthly fees
Free, quick comparison
QR code payments comparison
Let customers scan and pay at the table, the counter or from a poster. Compare UK QR payment providers on fees, hardware and settlement.
Compare now No obligation · Takes minutes
Trusted choice
Rated 4.9 out of 5
QR payments
QR paymentsSquare QR checkout
QR paymentsPayPal QR code
QR paymentsDojo pay at table
From 0.55%
per transaction
£15
monthly fee
Hardware: Table cards
Payout: Next day, 7 days a week
Deal tables sorted by headline rate (low to high)
Rates shown are indicative and depend on your turnover, average transaction value and business type. Final pricing is confirmed by the provider after your quote.
What are QR code payments?
A QR payment is just a payment link turned into a printable code. The customer scans it with their phone camera, lands on a secure checkout and pays with a card or a digital wallet.
In hospitality the same code often carries the menu and the bill, so guests can order, split and tip without waiting for a terminal to come to the table.
Why compare QR payments providers?
No queue at the till
Table and counter QR codes cut payment time at peak service, which turns tables faster and lifts covers per shift.
Almost no hardware
A printed card on the table costs pence, so you can roll it out across every seat without buying terminals.
Higher tips
Hospitality operators consistently report higher average tips when the prompt appears on the customer's own phone.
What to look for in a QR payments deal
Code management
Check you can generate codes per table, per product or per event and see reporting split by code.
Headline pricing
The percentage or flat fee taken from each payment. Compare on your real volumes, not the marketing rate.
Monthly and hidden fees
Check minimum monthly charges, PCI fees, gateway fees, refund charges and chargeback costs.
Settlement speed
How quickly funds reach your business account — next day makes a real difference to cashflow.
Security and compliance
PCI DSS scope, 3D Secure, tokenisation and fraud screening should be included, not bolted on.
Reporting and integrations
Links to your accounting software, EPOS or online store so takings reconcile automatically.
How does comparing QR payments work?
Tell us your sector, monthly card turnover and whether you need order-and-pay or just pay-the-bill.
We show UK providers supporting QR payments with the features and rate for your profile.
Set up your account, generate codes per table or per product and print them.
Payments settle into your account on the provider's normal cycle, with each transaction tagged to its code.
Do I need QR payments?
Cafes, restaurants, bars and event traders benefit most — anywhere queueing or waiting for the bill costs you sales.
If every customer already pays at a fixed till with a terminal, QR is a nice-to-have rather than essential.
Charities, market traders and pop-ups use QR codes as a zero-hardware way to take card payments.
How do I choose the best QR payments deal?
Decide first whether you need full order-and-pay or just bill payment — the feature gap between the two is bigger than the pricing gap. Then compare transaction rates, whether tips and bill splitting are supported, and how the system reconciles against your EPOS.
How much could I save on QR payments?
A 40-cover restaurant replacing terminal runs with pay-at-table typically saves 6–8 minutes per table at peak. Over a busy week that's several extra sittings, which usually dwarfs the difference in transaction rate.
Payment guides
These guides might help.
How payment processing fees work
Interchange, scheme and acquirer fees explained — and which ones you can negotiate away…
Choosing a payment provider
What UK providers check, how long onboarding takes and when a specialist beats your bank…
PCI DSS made simple for small firms
The compliance basics every business handling payments has to meet…
FAQs
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
Written by the Grow Your Business payments team · Updated 25 July 2026